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's it going to look like and i also think health reform. the health reform law is here to stay. 2013 is that drop dead date of when everything is supposed to be implemented so next year is going to be a critical year where we see everything plays out and what it means in terms of cost of coverage. >> okay. bill, so it was your survey or the nfib survey that showed that pessimism. we had you guys for a little while, but now you've gone back to where it was. what do you think will turn people's attitudes around, get them more optimistic again? >> well, i think we have to get consumers to be a little more optimistic. you notice the consumer optimism went into the tank as well last month, so if they're not spending it, of course, there's not much we can do. we'd be happy to hire a few more million people if we just had customers to take care of and that's really not the case. so we've got a very dour outlook. in fact, the november reading was the tenth lowest in our survey of our 350,000 members so we don't really have a very positive outlook for what's going to happen here. >> do you th
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